A few months ago I broke the repayment agreement between me and Natwest – the arrangement was due to review and I simply forgot about it. When I realized this it was too late and my debt with Natwest has been “sold” to Apex Debt Management Agency.

They contacted me and asked me all those questions about my circumstance, incomes etc..

I offered straight away to pay £50/month (same as my agreement with Natwest).

There is no interest charges or anything, just your clear debt.

When I asked about the discount, they offered me to pay £2400 instead of £3700 if pay that in one go.

Like this:

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We do not recommend so-called payday loans because of their extremely high rates of interest, although they have their uses in the short term if the circumstances are suitable. Instead we recommend reducing your existing debt with an IVA or debt management plan, or with a lower interest rate debt consolidation loan. Only take out another loan if you really can afford the repayments. That way reducing the overall monthly payments makes sense. Don’t do it just for short term gains; that is a recipe for disaster. Remember Mr Micawber!

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